Best Quotes for Audi S5 Insurance in Portland

The easiest way to get budget Audi S5 insurance is to begin comparing prices regularly from insurers who provide car insurance in Portland.

One thing to remember is to try to compare similar limits and deductibles on every quote request and and to get price quotes from all possible companies. This helps ensure a fair price comparison and the best rate selection.

Insurance for Audi S5Unbelievable but true according to a study over 70% of drivers have remained with the same auto insurance company for at least four years, and nearly the majority have never even compared quotes to find lower-cost rates. The average driver in Portland can save hundreds of dollars each year just by shopping around, but they don’t know the large savings they would see if they moved their coverage to a different company.

Buying cheaper policy in Portland is not as difficult as people think. Just about every driver who has to purchase auto insurance should buy a cheaper policy. Nevertheless, Oregon car owners need to learn the methods companies use to price insurance differently.

Reduce your car insurance rates with discounts

Auto insurance companies don’t always advertise all discounts very clearly, so the list below contains both the well known as well as the least known ways to save on car insurance. If you do not check that you are getting every discount possible, you’re paying more than you need to.Cheaper car insurance with discounts

Consumers should know that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

The diagram below shows the comparison of Audi S5 insurance premiums with and without discounts applied. The data is based on a female driver, a clean driving record, no at-fault accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, homeowner, and marriage discounts applied.

A list of car insurance companies and a partial list of their discounts can be read below.

When getting free Portland auto insurance quotes, it’s a good idea to every prospective company to apply every possible discount. A few discounts might not be available to policyholders everywhere.

Shop Audi S5 insurance online

When price shopping your coverage, quoting more helps locate a lower rate.

The companies shown below provide price quotes in Oregon. If you want to find cheap auto insurance in Oregon, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Audi S5 detailed coverage information

The premium information shown next outlines detailed analysis of coverage costs for Audi S5 models. Learning as much as possible about how car insurance prices are calculated is important for you to make decisions when shopping around.

Audi S5 Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $374 $978 $386 $22 $116 $1,876 $156
S5 4.2 Quattro 2-Dr Coupe $374 $978 $386 $22 $116 $1,876 $156
S5 3.0 Quattro 2-Dr Convertible $374 $876 $386 $22 $116 $1,774 $148
S5 4.2 Quattro 2-Dr Coupe $374 $1080 $386 $22 $116 $1,978 $165
S5 4.2 Quattro 2-Dr Coupe $374 $1080 $386 $22 $116 $1,978 $165
S5 3.0 Quattro 2-Dr Convertible $408 $978 $386 $22 $116 $1,910 $159
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in vehicle location which can alter coverage rates considerably.

Raise deductibles and save

One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The data tables below help summarize the differences in price when you select higher and lower policy deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Audi S5 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $342 $712 $320 $18 $96 $1,513 $126
S5 4.2 Quattro 2-Dr Coupe $342 $712 $320 $18 $96 $1,513 $126
S5 3.0 Quattro 2-Dr Convertible $342 $638 $320 $18 $96 $1,439 $120
S5 4.2 Quattro 2-Dr Coupe $342 $786 $320 $18 $96 $1,587 $132
S5 4.2 Quattro 2-Dr Coupe $342 $786 $320 $18 $96 $1,587 $132
S5 3.0 Quattro 2-Dr Convertible $374 $712 $320 $18 $96 $1,545 $129
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Audi S5 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $212 $448 $320 $18 $96 $1,094 $91
S5 4.2 Quattro 2-Dr Coupe $212 $448 $320 $18 $96 $1,094 $91
S5 3.0 Quattro 2-Dr Convertible $212 $402 $320 $18 $96 $1,048 $87
S5 4.2 Quattro 2-Dr Coupe $212 $494 $320 $18 $96 $1,140 $95
S5 4.2 Quattro 2-Dr Coupe $212 $494 $320 $18 $96 $1,140 $95
S5 3.0 Quattro 2-Dr Convertible $232 $448 $320 $18 $96 $1,114 $93
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific garaging location which can influence coverage rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $36 more each month or $432 annually than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 21 months between claim filings, you would save money if you decide on a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $128
Average monthly premium for $1,000 deductibles (subtract): – $92
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important issue to know is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a comprehensive or collision claim. You must have some money saved in order to pay the higher deductible.

The illustration below shows how choosing a deductible and can change Audi S5 yearly insurance costs for different age groups. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Difference between liability only and full coverage rates

The diagram below shows the difference between Audi S5 insurance costs when comparing full coverage to state minimum liability only. The premiums assume no claims, a clean driving record, $500 deductibles, drivers are not married, and no discounts are factored in.

When to stop buying physical damage coverage

There is no set rule of when to phase out comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Audi S5 claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $2,000 after paying your policy deductible. If premiums are more than $200 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some conditions where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Which is the best insurance?

When it comes to a policy, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.Higher deductibles save money

For example, these questions might help in determining whether you will benefit from professional help.

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance agents are trained to help

Some people just prefer to get advice from a local agent and doing so can bring peace of mind One of the great benefits of comparing insurance prices online is you may find cheaper car insurance rates but still work with a licensed agent. And providing support for local agencies is definitely important in Portland.

Find insurance agent in PortlandTo make it easy to find an agent, after completing this simple form, your insurance coverage information is instantly submitted to companies in Portland who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won’t have to do any legwork since price quotes are sent immediately to your email address. You’ll get the best rates and work with a local agent. If you need to compare prices from a specific insurance company, you would need to go to their quote page and complete a quote there.

If you are searching for local Portland agents, there are two different types of agencies to choose from. Auto insurance policy providers are either independent (non-exclusive) or exclusive.

Independent Insurance Agents

These agents often have many company appointments and that gives them the ability to insure with an assortment of companies enabling the ability to shop coverage around. If prices rise, they simply move your policy to a different company and you don’t have to do anything.

If you are comparing auto insurance prices, you will definitely want to include independent agents for maximum quote selection.

Below are Portland independent insurance agents that may be able to give you rate quotes.

9201 SE 91st AvePortland, OR 97086(503) 698-3833View Map

1500 NW 18th Ave #107Portland, OR 97209(503) 206-6588View Map

5201 SW Westgate Dr #300Portland, OR 97221(503) 922-4847View Map

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Exclusive Agents

Exclusive insurance agents can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. They receive a lot of sales training on their products and sales techniques which helps them compete with independent agents.

Shown below is a list of exclusive insurance agents in Portland that can give you price quotes.

736 NW 12th Ave #100Portland, OR 97209(503) 227-1393View Map

15160 NW Laidlaw Rd #210Portland, OR 97229(503) 992-6251View Map

7850 SW Barbur BlvdPortland, OR 97219(503) 246-7753View Map

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Selecting an insurance agent needs to be determined by more than just a cheap price. Here are some questions to ask:

Once you have received positive feedback for all questions you ask and a good coverage price, you may have found an insurance agent that meets your needs to insure your vehicles. But remember, you can always cancel your coverage when you choose so don’t feel you’re contractually obligated to a specific company for the full policy term.

Find cheaper car insurance prices by comparing often

Cheaper car insurance in Portland is definitely available online in addition to many Portland insurance agents, so you need to shop Portland auto insurance with both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and many times these smaller companies work with independent agencies.

We just covered many ideas to compare Audi S5 insurance prices in Portland. The most important thing to understand is the more providers you compare, the better likelihood of getting affordable Portland auto insurance quotes. You may even find the lowest prices come from a small mutual company.

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, extreme rates for teen drivers, unfair underwriting practices and an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is less work than it seems.

More tips and info about car insurance can be found by following these links: